Home > Asian Bank of Arizona > Performance and Condition Ratios
Asian Bank of Arizona, Performance and Condition Ratios
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8212% | 2,793 |
| Cost of funding earning assets | 2.5182% | 1,238 |
| Net interest margin | 3.3030% | 5,629 |
| Noninterest income to average assets | -0.7469% | 8,064 |
| Noninterest expense to average assets | 4.3156% | 896 |
| Loan and lease loss provision to assets | 5.7929% | 116 |
| Net operating income to assets | -12.0108% | 8,058 |
| Return on assets (ROA) | -12.0108% | 8,058 |
| Pretax return on assets | -7.8379% | 7,992 |
| Return on Equity (ROE) | -96.7485% | 8,003 |
| Retained earnings to average equity (ytd only) | -96.7485% | 8,001 |
| Net charge-offs to loans | 5.7875% | 160 |
| Credit loss provision to net charge-offs | 121.2648% | 4,184 |
| Earnings coverage of net charge-offs (x) | -0.4281% | 6,448 |
| Efficiency ratio | 190.0585% | 171 |
| Assets per employee ($millions) | 4.4670% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1993% | 563 |
| Loan loss allowance to noncurrent loans | 216.9197% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 5.0792% | 1,151 |
| Noncurrent loans to loans | 1.4749% | 4,467 |
| Net loans and leases to total assets | 75.2606% | 2,170 |
| Net loans and leases to deposits | 80.6359% | 4,268 |
| Net loans and leases to core deposits | 81.9751% | 6,191 |
| Total domestic deposits to total assets | 93.3338% | 68 |
| Equity capital to assets | 6.4921% | 7,766 |
| Core capital (leverage) ratio | 6.3761% | 7,714 |
| Tier 1 risk-based capital ratio | 8.0290% | 7,791 |
| Total risk-based capital ratio | 9.3026% | 7,804 |
| Memoranda: | ||
| Average total assets | $40,163,000 | 7,139 |
| Average earning assets | $36,692,750 | 7,127 |
| Average equity | $4,986,000 | 7,003 |
| Average total loans | $33,151,250 | 6,503 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8102% | 3,001 |
| Cost of funding earning assets | 2.6964% | 1,039 |
| Net interest margin | 3.1138% | 6,191 |
| Noninterest income to average assets | 0.1494% | 7,197 |
| Noninterest expense to average assets | 4.4384% | 824 |
| Loan and lease loss provision to assets | 5.1408% | 189 |
| Net operating income to assets | -4.0598% | 7,842 |
| Return on assets (ROA) | -4.0598% | 7,838 |
| Pretax return on assets | -6.6053% | 7,992 |
| Return on Equity (ROE) | -28.2105% | 7,683 |
| Retained earnings to average equity (ytd only) | -28.2105% | 7,657 |
| Net charge-offs to loans | 4.3573% | 304 |
| Credit loss provision to net charge-offs | 140.2174% | 3,329 |
| Earnings coverage of net charge-offs (x) | -0.3995% | 6,018 |
| Efficiency ratio | 149.2462% | 377 |
| Assets per employee ($millions) | 3.8103% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9834% | 573 |
| Loan loss allowance to noncurrent loans | 63.5022% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 6.3608% | 731 |
| Noncurrent loans to loans | 4.6980% | 1,345 |
| Net loans and leases to total assets | 76.8115% | 1,984 |
| Net loans and leases to deposits | 88.4378% | 3,100 |
| Net loans and leases to core deposits | 90.2096% | 5,517 |
| Total domestic deposits to total assets | 86.8537% | 2,329 |
| Equity capital to assets | 12.9148% | 1,730 |
| Core capital (leverage) ratio | 8.8593% | 4,849 |
| Tier 1 risk-based capital ratio | 10.6823% | 6,200 |
| Total risk-based capital ratio | 11.9512% | 6,125 |
| Memoranda: | ||
| Average total assets | $40,149,670 | 7,202 |
| Average earning assets | $36,418,670 | 7,205 |
| Average equity | $5,778,000 | 6,801 |
| Average total loans | $33,782,670 | 6,514 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4625% | 5,107 |
| Cost of funding earning assets | 2.7368% | 1,152 |
| Net interest margin | 2.7257% | 7,146 |
| Noninterest income to average assets | 0.0815% | 7,646 |
| Noninterest expense to average assets | 4.3903% | 796 |
| Loan and lease loss provision to assets | 7.0694% | 94 |
| Net operating income to assets | -5.4497% | 8,066 |
| Return on assets (ROA) | -5.4497% | 8,059 |
| Pretax return on assets | -8.8724% | 8,137 |
| Return on Equity (ROE) | -35.9030% | 7,951 |
| Retained earnings to average equity (ytd only) | -35.9030% | 7,922 |
| Net charge-offs to loans | 6.2555% | 147 |
| Credit loss provision to net charge-offs | 130.2064% | 3,082 |
| Earnings coverage of net charge-offs (x) | -0.3321% | 5,197 |
| Efficiency ratio | 169.6850% | 275 |
| Assets per employee ($millions) | 4.0409% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4331% | 816 |
| Loan loss allowance to noncurrent loans | 33.2814% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 7.7235% | 400 |
| Noncurrent loans to loans | 7.3105% | 524 |
| Net loans and leases to total assets | 84.8474% | 569 |
| Net loans and leases to deposits | 98.9409% | 1,542 |
| Net loans and leases to core deposits | 102.8436% | 4,253 |
| Total domestic deposits to total assets | 85.7556% | 2,847 |
| Equity capital to assets | 14.0884% | 1,336 |
| Core capital (leverage) ratio | 10.8601% | 2,612 |
| Tier 1 risk-based capital ratio | 11.6151% | 5,286 |
| Total risk-based capital ratio | 12.8786% | 5,185 |
| Memoranda: | ||
| Average total assets | $39,268,000 | 7,285 |
| Average earning assets | $36,100,500 | 7,262 |
| Average equity | $5,960,500 | 6,779 |
| Average total loans | $34,082,000 | 6,538 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5717% | 2,616 |
| Cost of funding earning assets | 3.2439% | 1,055 |
| Net interest margin | 3.3278% | 5,934 |
| Noninterest income to average assets | 0.0929% | 7,668 |
| Noninterest expense to average assets | 5.2079% | 575 |
| Loan and lease loss provision to assets | 2.7619% | 349 |
| Net operating income to assets | -2.9600% | 7,817 |
| Return on assets (ROA) | -2.9600% | 7,786 |
| Pretax return on assets | -4.8054% | 7,999 |
| Return on Equity (ROE) | -14.2806% | 7,553 |
| Retained earnings to average equity (ytd only) | -14.2806% | 7,415 |
| Net charge-offs to loans | 2.1429% | 494 |
| Credit loss provision to net charge-offs | 147.9270% | 3,569 |
| Earnings coverage of net charge-offs (x) | -1.0945% | 6,607 |
| Efficiency ratio | 164.5793% | 298 |
| Assets per employee ($millions) | 3.4661% | 4,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1016% | 1,070 |
| Loan loss allowance to noncurrent loans | 36.5648% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 4.9781% | 703 |
| Noncurrent loans to loans | 5.7475% | 658 |
| Net loans and leases to total assets | 84.7929% | 762 |
| Net loans and leases to deposits | 101.6284% | 1,623 |
| Net loans and leases to core deposits | 103.9685% | 4,400 |
| Total domestic deposits to total assets | 83.4343% | 3,595 |
| Equity capital to assets | 16.3349% | 878 |
| Core capital (leverage) ratio | 13.2723% | 1,450 |
| Tier 1 risk-based capital ratio | 15.0595% | 3,015 |
| Total risk-based capital ratio | 16.3198% | 2,935 |
| Memoranda: | ||
| Average total assets | $32,297,000 | 7,545 |
| Average earning assets | $29,809,800 | 7,520 |
| Average equity | $6,694,400 | 6,568 |
| Average total loans | $28,139,800 | 6,834 |